I need help
I am a 21f and am in approx 25k debt (over 8k on a loan, ~3.5k on a bank credit card, ~14.5k on a capital one credit card). I don’t want to file for bankruptcy but I don’t know what else to do.
I only take home about 2.2k from working full time a month.
The interest is killing me and neither number seems to go down. It’s getting hard to get groceries/gas because once the interest take out is done I have maybe $200 to last to the next month.
I wanted to do another debt consolidation loan but the amount offered was 1k with very high interest. I used to have better spending habits and was just fine before my credit cards but now I feel like I’m drowning.
Edit
I found the edit button!
Bills:
Rent - 475
Internet -37.5
Utilities - monthly change ? (Lowest it’s been 65.64 highest it’s been 188.13) divided by 2 because I split bills
Car and phone bills go straight to my mom and it is 165.06
Minimum on loan - 400, Minimum on capital one- a little less than 500, Minimum on other card - I think is about 100-300 I can’t remember
Edit again:
So far
Become a trucker
Call card company and tell them hardship
Move in with family (least viable option)
Get second and possibly third job